Lending data
Who actually lends to trucking and transportation businesses in Kansas?
42 SBA 7(a) loans went to trucking and transportation businesses in Kansas recently, at a median of $103,850. Here are the lenders that made them, ranked.
42 SBA 7(a) loans went to trucking and transportation businesses in Kansas in the most recent fiscal years. The median was $103,850 over 7 years. The most active lender was Bank of Hays, with 6 loans.
What lending to trucking and transportation businesses in Kansas actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Transportation and trucking, Kansas | All 7(a) borrowers |
|---|---|---|
| Loans approved | 42 | 214,102 |
| Median loan | $103,850 | $150,000 |
| 25th - 75th percentile | $50,000 - $230,250 | $50,000 - $500,000 |
| Median term | 7 years | 10 years |
| Median initial rate | 8.75% | 10.25% |
| Share to startups | 50.0% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 6.1% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to trucking and transportation businesses in Kansas. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Bank of Hays | 6 | $72,350 | 50% | 7.62% |
| Farmers Bank and Trust | 5 | $87,000 | 80% | 7.95% |
| Commerce Bank | 4 | $58,600 | 50% | 8.50% |
| Small Business Bank | 3 | $77,000 | 0% | 10.75% |
| Dream First Bank | 3 | $111,100 | 67% | 8.75% |
| Fidelity Bank | 2 | $162,500 | 100% | 10.50% |
| The Huntington National Bank | 2 | $1,853,500 | 0% | 10.25% |
| South Central Kansas Economic Development District, Inc | 2 | $50,000 | 50% | 8.50% |
| Farmers and Merchants Bank of Mound City, Kansas | 2 | $65,000 | 100% | 7.75% |
What stands out in this market
Reading the figures above against the national picture:
- Loans here run smaller than average. The median of $103,850 is 31% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- New businesses do well here. 50% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- No single lender dominates, but the top three made 36% of these loans, so the shortlist below covers most of the active market.
- Rates run lower here. The median initial rate of 8.75% is 1.50 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
- Terms are short, at a median of 7 years — shorter than the ten years typical of 7(a) lending, which points to equipment and working capital rather than property.
Which of them lend to new businesses
Of those loans, 50.0% went to businesses the SBA classes as startups — new, under two years old, or opening with the proceeds. These are the lenders in this market that actually wrote them.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Farmers Bank and Trust | 4 | $87,000 | 80% | 7.95% |
| Bank of Hays | 3 | $72,350 | 50% | 7.62% |
| Dream First Bank | 2 | $111,100 | 67% | 8.75% |
| Fidelity Bank | 2 | $162,500 | 100% | 10.50% |
| Commerce Bank | 2 | $58,600 | 50% | 8.50% |
| Farmers and Merchants Bank of Mound City, Kansas | 2 | $65,000 | 100% | 7.75% |
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Kansas: restaurants and hotels, healthcare, construction, retail, personal services, professional services
- Trucking in comparable states: Iowa, Arkansas, New Mexico, Nebraska, West Virginia, Delaware